My daughter is 33 years old and graduated from nursing school about 16 months ago. To help her get started, I bought her a new truck and financed it through Ford Motor Credit. The truck is in my name, but she was paying the payments and driving it. She changed jobs in August and fell behind on the payments. She called in a payment this a.m. for September, which leaves her owing the October payment (due on the 13th) and a $57.00 late fee.
Last week someone representing themselves as Ford Motor Credit started calling insisting on payment. I am a nurse and spend most of my day making medical referrals. I cannot take personal phone calls at work and asked her not to call me there. When I asked for a contact number to return her call, she refused to give one, insisting that it needed to be resolved immediately. Today, this same person called back several times (at work). When I told her that a payment for Sept. had been posted, she said that it was too late for payments and demanded to know the location of the truck. When I told her that my daughter was driving it, she said that I had commited fraud against Ford Motor Credit and that they had to grant permission for her to drive it.
Later that day, a person calling herself an "investigator" for the Repo company called and threatened to file felony charges against me if I didn't immediately tell them the location of the vehicle. Needless to say, it has been very hard to concentrate on my job with all this going on.
Now for my questions. Do they have any basis for accusing me of fraud or threatening to file felony charges against me. This sounds like nothing more than collection harassment, but I'd like to be sure of my position.
Wouldn't they have to notify me in writing before repossessing the truck?
They accepted the Sept. payment; if the October payment is made, along with the late charge, ( bringing everything up to date) can they still repossess?
How can I stop the harassing phone calls at work?
Any help or advice would be appreciated.
Thanks,
Merlin55
Last week someone representing themselves as Ford Motor Credit started calling insisting on payment. I am a nurse and spend most of my day making medical referrals. I cannot take personal phone calls at work and asked her not to call me there. When I asked for a contact number to return her call, she refused to give one, insisting that it needed to be resolved immediately. Today, this same person called back several times (at work). When I told her that a payment for Sept. had been posted, she said that it was too late for payments and demanded to know the location of the truck. When I told her that my daughter was driving it, she said that I had commited fraud against Ford Motor Credit and that they had to grant permission for her to drive it.
Later that day, a person calling herself an "investigator" for the Repo company called and threatened to file felony charges against me if I didn't immediately tell them the location of the vehicle. Needless to say, it has been very hard to concentrate on my job with all this going on.
Now for my questions. Do they have any basis for accusing me of fraud or threatening to file felony charges against me. This sounds like nothing more than collection harassment, but I'd like to be sure of my position.
Wouldn't they have to notify me in writing before repossessing the truck?
They accepted the Sept. payment; if the October payment is made, along with the late charge, ( bringing everything up to date) can they still repossess?
How can I stop the harassing phone calls at work?
Any help or advice would be appreciated.
Thanks,
Merlin55
